Compare Car Insurance Rates for Free| June 2024

Shopping for car insurance? Comparing car insurance rates can help you find the best price.
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Written by Drew Gula
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Car insurance prices keep climbing nationwide

. You can minimize the impact on your wallet if you compare car insurance rates with multiple insurers. This is because each company has its own “secret sauce” when it comes to setting rates, and their recipes change with time. That's why comparing rates from two car insurance companies may reveal wildly different results for the same driver.

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Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Our data analysts take stringent measures to eradicate outliers and inaccuracies in pricing data, including rates from every location in the country where coverage and data are available, so you can rely on the prices we present. When comparing auto insurance rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our .

Compare car insurance rates by age

It’s hard to determine which factors have the most impact on your car insurance rate because each company weighs those factors differently. We can tell you what most of those ingredients are, but there’s no way to know which is the most important with a particular insurer.

So, to help you find the best price for the insurance you want, we can show you average annual rates for minimum and full coverage car insurance. To narrow it down even further, we've collected average rates for drivers with various driving experiences and credit histories in every state and for every major auto insurance company.

Your age can have a big impact on your car insurance rate. For example, you might already know teen drivers have some of the highest car insurance rates on average, but they aren’t the only ones. Although your rates will likely decrease once you hit your thirties, most drivers tend to see higher rates once they reach their 70s.

Below are the average costs of full and minimum coverage, by age, for drivers with good credit and a clean driving history, according to our June 2024 analysis.

AgeMedian full coverage rateMedian minimum coverage rate
20$3,576$1,023
30$1,769$502
35$1,718$488
40$1,676$477
50$1,570$452
60$1,507$445
70$1,607$493

Car insurance rates by age

NerdWallet has written car insurance guides for several age groups, including teens and seniors. For more information, check out our articles below:

Compare insurance rates for 20-year-olds

Drivers around the age of 20 typically get higher car insurance rates because they are more likely to get into accidents than older drivers, on average. NerdWallet recommends comparing car insurance quotes to find the cheapest option available, even if it may not be as affordable as other age groups.

To get more insight into how your age affects your car insurance, we compiled average annual rates from nine of the 10 largest private passenger auto insurers in the country based on market share data from the National Association of Insurance Commissioners. Data for Liberty Mutual wasn't available.

Average annual rate for 20-year-olds, by company

Rates vary from company to company. For example, full coverage from Geico for a 20-year-old costs $2,454 a year, on average, while the average price from Farmers is $6,030.

Dive deeper below by comparing annual rates for 20-year-olds by state. Rates are averaged across the country separately for full and minimum coverage.

Company NameFull coverage rateMinimum coverage rate
Allstate$5,460$1,122
American Family$2,601$984
Farmers$6,030$2,066
Geico$2,454$682
Nationwide$4,059$1,689
Progressive$3,389$961
State Farm$4,493$1,196
Travelers$3,295$853
USAA*$2,583$635

*USAA is only available to military, veterans and their families.

Average annual rate for 20-year-olds, by state

Average car insurance rates for a 20-year-old driver vary significantly from state to state. Some states, like Hawaii and North Carolina, have average annual rates of $1,911 or less for full coverage. In other states, such as Louisiana and Rhode Island, car insurance costs $6,301 or more per year, on average, for the same driver.

See how your state stacks up below.

StateMedian full coverage rateMedian minimum coverage rate
Alabama$3,898$886
Alaska$3,226$776
Arizona$4,352$1,335
Arkansas$4,004$1,037
California$2,808$789
Colorado$5,131$1,375
Connecticut$4,538$1,878
Delaware$5,491$2,174
Florida$5,606$1,413
Georgia$4,643$1,509
Hawaii$1,610$491
Idaho$2,706$727
Illinois$3,538$1,113
Indiana$3,155$897
Iowa$2,747$602
Kansas$3,688$936
Kentucky$5,561$1,591
Louisiana$6,457$1,781
Maine$2,916$988
Maryland$4,529$1,806
Massachusetts$2,769$872
Michigan$4,574$1,226
Minnesota$2,941$869
Mississippi$3,792$969
Missouri$4,412$1,045
Montana$4,094$865
Nebraska$2,866$733
Nevada$5,345$1,920
New Hampshire$3,032$873
New Jersey$4,250$1,554
New Mexico$3,450$934
New York$3,822$1,514
North Carolina$1,911$700
North Dakota$2,881$702
Ohio$2,604$762
Oklahoma$3,898$1,117
Oregon$2,690$1,213
Pennsylvania$3,745$790
Rhode Island$6,301$2,189
South Carolina$4,125$1,415
South Dakota$3,084$628
Tennessee$3,732$1,036
Texas$5,906$2,155
Utah$3,571$1,340
Vermont$2,985$745
Virginia$3,484$1,308
Washington$3,461$1,233
Washington, D.C.$3,656$1,659
West Virginia$3,468$1,023
Wisconsin$3,369$842
Wyoming$2,561$465
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Compare car insurance rates for 35-year-olds

Because drivers around the age of 35 get in fewer accidents than younger drivers, they typically can get lower car insurance rates than 20-somethings.

Average annual rate for 35-year-olds, by company

Aside from USAA (which is only available to military, veterans and their families), American Family provides the lowest price for full coverage for 35-year-olds, at $1,279, on average.

Farmers comes in the highest at $2,578, on average.

The table below compares national average annual car insurance rates for 35-year-olds by company. Keep in mind that not all car insurance companies are available in every state.

Company NameFull coverage rateMinimum coverage rate
Allstate$2,258$617
American Family$1,279$477
Farmers$2,578$875
Geico$1,306$355
Nationwide$1,829$722
Progressive$1,725$491
State Farm$2,006$459
Travelers$1,405$435
USAA*$1,259$312

*USAA is only available to military, veterans and their families.

Average annual rate for 35-year-olds, by state

While average car insurance rates fluctuate by state, 35-year-olds in several states — including Wyoming, Vermont and New Hampshire — can pay $1,119 or less per year, on average, for full coverage policies. Similar drivers in Louisiana and Texas could pay $2,567 or more a year for full coverage, on average.

Florida is the only state with median rates as high as $3,067 a year for 35-year-old drivers with full coverage car insurance.

See how your state stacks up below.

StateMedian full coverage rateMedian minimum coverage rate
Alabama$1,716$402
Alaska$1,734$322
Arizona$2,085$636
Arkansas$1,764$446
California$1,638$459
Colorado$2,293$538
Connecticut$1,742$748
Delaware$1,995$864
Florida$3,067$811
Georgia$2,014$656
Hawaii$1,610$491
Idaho$1,162$320
Illinois$1,538$461
Indiana$1,421$404
Iowa$1,381$260
Kansas$1,806$470
Kentucky$2,394$666
Louisiana$3,037$887
Maine$1,234$387
Maryland$1,873$828
Massachusetts$1,296$399
Michigan$2,301$605
Minnesota$1,667$469
Mississippi$1,804$476
Missouri$1,967$506
Montana$1,738$422
Nebraska$1,432$329
Nevada$2,184$791
New Hampshire$1,119$368
New Jersey$1,986$801
New Mexico$1,835$440
New York$1,963$765
North Carolina$1,887$637
North Dakota$1,528$367
Ohio$1,209$335
Oklahoma$2,030$500
Oregon$1,346$602
Pennsylvania$1,696$367
Rhode Island$2,413$899
South Carolina$1,850$605
South Dakota$1,671$280
Tennessee$1,751$440
Texas$2,567$841
Utah$1,496$580
Vermont$1,082$310
Virginia$1,619$649
Washington$1,492$515
Washington, D.C.$1,737$859
West Virginia$1,667$498
Wisconsin$1,516$367
Wyoming$972$185

Compare insurance rates by driver history

Car insurance companies pay close attention to a variety of factors when determining rates. We’ve analyzed rates for a few of the most common driver "profiles" to give you an idea of how much insurance might cost for each one.

Use these links when comparing auto insurance rates for specific driver histories:

Compare car insurance rates for drivers with a DUI

After a DUI, your auto insurance rate will go up — in some cases, it could even double. But one thing you can control is your choice of insurance company. A DUI can affect car insurance rates for three to 10 years, so it’s a good idea to shop around for the best rates after getting a DUI.

🤓Nerdy Tip

If you have a DUI, you may be required to submit an SR-22 form, depending on your state’s requirements. Insurers can typically file an SR-22 form for you. However, some car insurance companies drop drivers who have a recent DUI or other serious offense.

Average annual rate for drivers with a DUI, by company

Below you can compare average car insurance rates from different companies for 35-year-olds before and after a DUI. Keep in mind that not all of these options are available in every state.

Company NameRate for drivers with a clean recordRate for drivers with a DUI
Allstate$2,258$3,438
American Family$1,279$2,087
Farmers$2,578$4,748
Geico$1,306$3,044
Nationwide$1,829$3,757
Progressive$1,725$2,163
State Farm$2,006$3,017
Travelers$1,405$2,367
USAA*$1,259$2,333

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with a DUI, by state

In Florida, the average insurance cost for drivers with a recent DUI is 38% higher, on average, than for similar drivers with no incidents — $1,192 more a year. However, in our analysis, a DUI in North Carolina added $5,629 to the annual cost of full coverage car insurance for 35-year-old drivers.

See below for how your state measures up.

StateRate for drivers with a clean recordRate for drivers with a DUI
Alabama$1,716$2,992
Alaska$1,734$2,629
Arizona$2,085$3,429
Arkansas$1,764$2,972
California$1,638$4,276
Colorado$2,293$3,898
Connecticut$1,742$3,173
Delaware$1,995$4,004
Florida$3,067$4,259
Georgia$2,014$3,324
Hawaii$1,610$3,060
Idaho$1,162$2,343
Illinois$1,538$2,974
Indiana$1,421$2,859
Iowa$1,381$2,560
Kansas$1,806$3,239
Kentucky$2,394$4,318
Louisiana$3,037$4,608
Maine$1,234$2,558
Maryland$1,873$3,309
Massachusetts$1,296$2,431
Michigan$2,301$6,409
Minnesota$1,667$2,754
Mississippi$1,804$2,802
Missouri$1,967$3,417
Montana$1,738$3,062
Nebraska$1,432$2,335
Nevada$2,184$3,656
New Hampshire$1,119$2,147
New Jersey$1,986$4,019
New Mexico$1,835$3,189
New York$1,963$3,479
North Carolina$1,887$7,517
North Dakota$1,528$2,837
Ohio$1,209$2,246
Oklahoma$2,030$3,032
Oregon$1,346$2,397
Pennsylvania$1,696$2,914
Rhode Island$2,413$4,659
South Carolina$1,850$3,375
South Dakota$1,671$2,920
Tennessee$1,751$3,123
Texas$2,567$4,360
Utah$1,496$2,632
Vermont$1,082$2,478
Virginia$1,619$2,825
Washington$1,492$2,554
Washington, D.C.$1,737$3,598
West Virginia$1,667$3,113
Wisconsin$1,516$2,939
Wyoming$972$2,413

While your car insurance rate will almost always increase after a DUI, it’s clear that the amount it increases will depend partially on where you live.

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Compare auto insurance rates for drivers with poor credit

Your credit history is one of the largest factors affecting your car insurance rate. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.) Carriers use credit history to determine how likely you are to file a claim.

Average annual rate for drivers with poor credit, by company

While rates may double for some drivers with poor credit, know that every company considers credit differently. An insurance company may evaluate your credit differently depending on which state you live in.

Drivers with poor credit insured by Nationwide could pay about 41%more a year, on average, compared with similar drivers with good credit. Meanwhile, the average price for full coverage from State Farm or Farmers rises 94% or more for drivers with poor credit compared with those with good credit.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by company.

Company NameRate for drivers with good creditRate for drivers with poor credit
Allstate$2,258$3,305
American Family$1,279$2,099
Farmers$2,578$5,025
Geico$1,306$1,874
Nationwide$1,829$2,590
Progressive$1,725$2,932
State Farm$2,006$7,132
Travelers$1,405$2,287
USAA*$1,259$2,195

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with poor credit, by state

Certain states prohibit the use of credit in setting car insurance rates, and how insurers treat credit differs from state to state. For example, state regulators in one state may allow more wiggle room for credit-based pricing than others, which leads to variations by state as well as by company.

Our analysis revealed that:

  • In North Carolina, a driver with poor credit pays about 15% more than one with good credit, on average.

  • Having poor credit in either North Dakota or Idaho raises the average insurance rate 62% or more compared with drivers with good credit.

  • Average rates for those with poor credit in Wyoming or Vermont were at least 97% higher than average rates for drivers with good credit.

Below you can compare average full coverage rates for 35-year-old drivers with poor credit by state.

StateRate for drivers with good creditRate for drivers with poor credit
Alabama$1,716$3,353
Alaska$1,734$2,324
Arizona$2,085$3,161
Arkansas$1,764$2,986
California$1,638*$1,638*
Colorado$2,293$3,913
Connecticut$1,742$2,776
Delaware$1,995$3,595
Florida$3,067$4,547
Georgia$2,014$3,288
Hawaii$1,610*$1,610*
Idaho$1,162$1,852
Illinois$1,538$2,525
Indiana$1,421$2,631
Iowa$1,381$2,090
Kansas$1,806$3,268
Kentucky$2,394$4,346
Louisiana$3,037$5,086
Maine$1,234$1,857
Maryland$1,873$3,198
Massachusetts$1,296*$1,296*
Michigan$2,301$4,124
Minnesota$1,667$3,086
Mississippi$1,804$2,882
Missouri$1,967$3,226
Montana$1,738$2,918
Nebraska$1,432$2,462
Nevada$2,184$3,934
New Hampshire$1,119$1,842
New Jersey$1,986$3,797
New Mexico$1,835$2,711
New York$1,963$3,642
North Carolina$1,887$2,287
North Dakota$1,528$2,497
Ohio$1,209$2,022
Oklahoma$2,030$2,994
Oregon$1,346$2,038
Pennsylvania$1,696$2,830
Rhode Island$2,413$3,980
South Carolina$1,850$3,109
South Dakota$1,671$2,952
Tennessee$1,751$2,986
Texas$2,567$4,545
Utah$1,496$2,651
Vermont$1,082$2,081
Virginia$1,619$2,796
Washington$1,492$1,826
Washington, D.C.$1,737$3,124
West Virginia$1,667$2,440
Wisconsin$1,516$2,213
Wyoming$972$2,576

*Credit is not used to price rates in this state.

California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates. In Washington, the legal code around this issue is being debated.

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Compare insurance rates for drivers with an accident

Your driving history can affect auto insurance rates in different ways from one company to another. It’s a good idea to compare how each insurer’s car insurance rates stack up against the rest if you have a recent accident.

🤓Nerdy Tip

If you have an on-record accident, make sure to compare auto insurance rates one, three and five years after the date of the incident to continue to get the best and cheapest rate possible.

Average annual rate for drivers with an accident, by company

Comparing auto insurance rates after a crash shows how differently insurers treat accidents. For example, rates for car insurance from State Farm are 28% higher on average for drivers with an at-fault accident compared with a driver with a clean record. Meanwhile, our data shows rates for Geico and American Family are higher by 69% or more, on average, for drivers with a recent crash compared with our base profile.

Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by company.

Company NameRate for drivers with a clean recordRate after one at-fault accident
Allstate$2,258$3,491
American Family$1,279$2,143
Farmers$2,578$4,106
Geico$1,306$2,208
Nationwide$1,829$2,937
Progressive$1,725$2,511
State Farm$2,006$2,572
Travelers$1,405$1,890
USAA*$1,259$1,848

*USAA is only available to military, veterans and their families.

Average annual rate for drivers with an accident, by state

State regulators set limits on how much a company can increase your car insurance rates after a crash. Let’s say you caused an accident that resulted in $10,000 worth of damage. In some states, that could cause average annual rates to spike by 68% or more, while in other states the increase is far less.

For example, drivers in Rhode Island with full coverage policies and one recent at-fault accident paid $86 more per year, on average, than drivers with no accidents, which is just a 3% increase. Meanwhile, drivers in California paid $1,347 more per year, on average, after causing an accident than incident-free drivers, which is a 82% increase.

Here are the average full coverage rates for 35-year-old drivers with a recent at-fault accident by state:

StateRate for drivers with a clean recordRate after one at-fault accident
Alabama$1,716$2,531
Alaska$1,734$2,128
Arizona$2,085$3,220
Arkansas$1,764$2,690
California$1,638$2,985
Colorado$2,293$3,453
Connecticut$1,742$2,557
Delaware$1,995$2,860
Florida$3,067$4,384
Georgia$2,014$3,111
Hawaii$1,610$2,190
Idaho$1,162$1,573
Illinois$1,538$2,308
Indiana$1,421$2,209
Iowa$1,381$1,949
Kansas$1,806$2,491
Kentucky$2,394$3,407
Louisiana$3,037$4,458
Maine$1,234$1,888
Maryland$1,873$3,130
Massachusetts$1,296$1,986
Michigan$2,301$3,335
Minnesota$1,667$2,397
Mississippi$1,804$2,668
Missouri$1,967$2,528
Montana$1,738$2,834
Nebraska$1,432$2,217
Nevada$2,184$3,573
New Hampshire$1,119$1,809
New Jersey$1,986$3,165
New Mexico$1,835$2,603
New York$1,963$2,797
North Carolina$1,887$2,972
North Dakota$1,528$2,232
Ohio$1,209$1,677
Oklahoma$2,030$2,616
Oregon$1,346$2,077
Pennsylvania$1,696$2,525
Rhode Island$2,413$2,499
South Carolina$1,850$2,722
South Dakota$1,671$2,436
Tennessee$1,751$2,615
Texas$2,567$4,084
Utah$1,496$2,328
Vermont$1,082$1,653
Virginia$1,619$2,418
Washington$1,492$2,114
Washington, D.C.$1,737$2,605
West Virginia$1,667$2,324
Wisconsin$1,516$2,286
Wyoming$972$1,640

Your rates will probably increase after an at-fault accident, so be sure to include the accident when you compare car insurance rates.

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How to compare car insurance rates

First, every car insurance quote you receive should be free — whether it’s from Geico, Farmers or a small insurer you’ve never heard of. Some auto insurers require a down payment to start your policy, but whether you’re comparing car insurance rates online or with an agent, a simple estimate should always be free of charge.

You’ll likely see the terms “quote,” “rate” and “premium” used to describe how much you’ll pay for car insurance.

A quote is an estimated price based on information you provide, like your age and driving history; you can get them online, over the phone or through an agent.

A rate is the adjusted price you get after an insurer uses their top-secret pricing model to personalize your policy.

A premium is the actual price you’ll pay for a policy.

1. Gather your information

To quickly and easily compare insurance online, you should have the following on hand:

Personal information, which includes the address, date of birth, occupation, driver’s license and marital status of everyone you want included on the policy.

Vehicle information, including the mileage, date of purchase and vehicle identification number (VIN) for each car. If you haven’t purchased the car yet, have mileage, make, model and year handy.

Driving history, including all claims, violations and tickets you’ve had over the past five years, plus any completed driving courses.

Current or previous insurer’s name for anyone on the policy or in your household. Some insurers won’t cover you without some coverage history, and if you want to exclude anyone living with you from the policy, you’ll need to prove they’re covered elsewhere.

2. Choose the right liability car insurance coverage levels

Auto insurance is financial protection, not just for the investment you made when you bought or leased your car. After a really serious accident, bills for property damage and injuries can easily reach into hundreds of thousands of dollars.

National Safety Council. Costs of Motor-Vehicle Injuries. Accessed Dec 18, 2023.
If you happen to cause this kind of wreck, the victims could sue you. And in that situation, assets such as your savings and even your home could be seized.

Liability auto insurance protects you from that worst-case scenario by providing a cushion between your assets and the amount you’re on the hook for. That’s why choosing the right liability limits is the most important part of a car insurance quote comparison. NerdWallet typically recommends having at least as much liability coverage as your net worth.

🤓Nerdy Tip

You may not know your net worth off the top of your head, and that's actually pretty common. NerdWallet's net worth calculator can help you figure it out.

But liability coverage levels come in threes — you’ll probably see something like 50/100/50 or 250/500/250 included in most policies. You can think of these limits as individual injuries/total injuries/property damage. (Insurers are a little more technical with the names, calling them bodily injury liability/total bodily injury liability/physical damage liability.)

Liability insurance comes in thousand-dollar increments, so when you choose an auto insurance policy with 100/300/100 limits, you’ll be choosing:

  • $100,000 for bodily injuries per person in a crash that you caused.

  • $300,000 total for all bodily injuries in a crash that you caused.

  • $100,000 for damage to any property in a crash that you caused, including cars, buildings and objects like mailboxes and lampposts.

🤓Nerdy Tip

When choosing liability car insurance coverage, make sure the middle number is equal to or greater than the value of your net worth. This should also be the highest number in your policy’s coverage limits.

Understand car insurance requirements in your state

Any car insurance comparison tool you use should have your state’s minimum car insurance requirements pre-loaded into its options. In certain states, you may be required to have a car insurance policy that includes personal injury protection (PIP), medical payments coverage (MedPay) or uninsured/underinsured motorist coverage — or two of the three. If you have MedPay you don’t need PIP, and vice versa.

States requiring PIP or MedPay are generally referred to as “no-fault” states. This means that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Then, the at-fault driver’s liability insurance will kick in to cover any expenses beyond the PIP or MedPay limit.

3. Decide if you need full coverage car insurance

Liability coverage doesn’t pay for your car or injuries — or for any injuries your passengers sustain — if you cause a wreck. This is why you may want “full coverage” car insurance, especially if your car isn’t paid off.

However, full coverage insurance isn’t actually a type of coverage. It typically refers to policies that include liability coverage plus comprehensive and collision coverage.

In other words, you can’t just click a “full coverage” button when comparing car insurance quotes online or buy something called a full coverage auto insurance policy. You’ll need to add collision and comprehensive coverage in the amounts you want, which will also increase the amount you’ll pay.

If you add collision or comprehensive coverage to your policy, you’ll choose deductible amounts for each. These deductibles are amounts you will pay out of pocket for each claim you make, similar to a deductible when you go to a doctor’s office or pick up a pharmacy prescription. (The difference is they tend to be significantly higher than either of those examples.)

Collision insurance pays for:

  1. Damage to your car in an accident you cause.

  2. Damage to your car if you hit an object such as a fence or pole.

  3. Damage to your car if someone else hits you. Another option in this case is to make a claim against the other driver’s liability insurance.

Comprehensive insurance pays for the value of your car if it’s stolen and not recovered, and damage from:

  1. Weather such as tornadoes or hail.

  2. Floods.

  3. Fire.

  4. Falling objects.

  5. Explosions.

  6. Crashes with an animal, such as striking a deer.

  7. Riots and civil disturbances.

Learn more about the different types of car insurance:

4. Collect and compare car insurance quotes

You’ll want to get car insurance quotes from at least two or three companies. And if you want to be sure you’re getting a good deal, you may want to compare car insurance quotes from regional companies as well as the big companies such as Allstate, Progressive and State Farm.

To make sure you’re able to accurately compare auto insurance quotes, each one should include:

  1. The same levels of liability and uninsured/underinsured motorist protection.

  2. The same deductibles for collision and comprehensive coverage, if you’re buying them.

  3. The same drivers and cars.

  4. All discounts you’re eligible for (most insurers list discounts on their websites).

🤓Nerdy Tip

No matter what coverage you choose, compare the same types and amounts of coverage from each company so you can find the best rates for the auto insurance you need.

How to choose an insurance company

Let’s assume you've compared rates and found the cheapest car insurance companies for you. But before you buy a policy, you'll want to consider a few other factors besides price.

The best car insurance companies offer more than just affordable rates. They also provide reliable and helpful customer service as well as a simple way to update your policy or file a claim.

Here are a few things to check before you buy a vehicle insurance policy:

  • Confirm your insurer has any extras you're looking for, like a mobile app or accident forgiveness.

  • Check a company’s financial strength to ensure it can pay out your claim if you need to file one. You can find a carrier’s financial strength using a rating firm like AM Best.

  • Look at customer complaint records on the National Association of Insurance Commissioners' site.

Compare car insurance companies

You can use NerdWallet's reviews to compare car insurance companies and find the best fit for you. NerdWallet has researched policy options, consumer complaint data, customer satisfaction ratings, financial stability and other key factors for all of the country's top auto insurance companies. We also researched many smaller, regional insurers.

Methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in all of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

These are rates generated through Quadrant Information Services. Your own rates will be different.